The inclusion of an interest free period more than compensates for the moderately increased interest rate, but the card is let down by the high per-card annual fee.

Commonwealth have created a business credit card with a truly low rate, without over-compensating the annual fee. It's just a pity it doesn't have an interest free period.

The Commonwealth Student Card is a good card, but the credit limit is too low and it doesn't include any travel features.

The Commonwealth Platinum is a solid competitor in the high-end market. It might lack the flair of the AMEX range, but it makes up for it with a broad range of features.

The Commonwealth Low Rate is simple, but without compromising on the features that matter. It's a tick in every box for students, the budget-conscious and those looking for their first credit card.

It's a pity the Commonwealth Low Fee Credit Card has a high interest rate. Anyone willing to pay 19.99% wants more features than this card offers, and anyone looking for a feature-less card wants a lower interest rate.

The Commonwealth Gold Awards is a solid card with a surprising range of features. It will mostly appeal to families, but travellers may get value from the included international travel insurance.

The Commonwealth Bank Awards is a good mid-range card with a low annual fee and a cash back rewards option. As long as you intend to spend $228 a week or more on the Amex or $342 or more on the Mastercard, the annual fee will pay for itself.